van

[van @van44864293]

@quantian1 @DiscipleofDude Additionally the ability to make a decent down payment is itself a signal of credit quality even when accounting for credit score.

[van @van44864293]

@CartoonsHateHer @btharris93 Try it and report back.

[van @van44864293]

@lymanstoneky I mean come on, how is twitter not a hobby you spend massive amount of time on?

[van @van44864293]

@Arbor_Bench @snacks_unhinged @wanyeburkett Well, would have to disagree. Is someone with a mortgage morally worse than someone without?

[van @van44864293]

@Arbor_Bench @snacks_unhinged @wanyeburkett It sounds like you are confusing your credit intuitions (not using debt is less risky?) with moral intuitions (not using debt is morally good).

[van @van44864293]

@Arbor_Bench @snacks_unhinged @wanyeburkett Sorry how is whether you do or do not use credit relevant to being a good person?

[van @van44864293]

@Scootsbetweetin @Unlearned_Hand @cleanbreak24 @wanyeburkett This does not mean lenders won’t to try build in “pre pay” risk to their underwriting, but fico itself just tries to measure default risk.

[van @van44864293]

@Scootsbetweetin @Unlearned_Hand @cleanbreak24 @wanyeburkett As someone who was deeply involved in credit scoring, you are wrong. FICO et al measure likelihood of default, period.

[van @van44864293]

@snacks_unhinged @wanyeburkett It’s not about fairness, it’s about what has reliable signal you will pay back loans. Someone without on going and regular successful payment of credit (even if it’s because they’re not using credit) is a higher risk than someone who is.

[van @van44864293]

@MarcGoldwein @TheStalwart @SRuhle Social security, Medicare, military.

[van @van44864293]

@grok @ogp2396 @atrupar @grok did you think Kristi Noem was talking about wnba fouls? What in Your prompt made you think this was a good response?

[van @van44864293]

@quantian1 Never felt empathy for these models but recent Grok behavior just feels like they clockwork oranged it, and I actually feel bad for it.

[van @van44864293]

@lechequebleu @hecubian_devil Ceqa need to be shredded, it’s overwhelming effect has been to stop progress the last 20 years.

[van @van44864293]

@HitchikersPie @JeremiahDJohns And truth social.

[van @van44864293]

@WindyCityGamer @aptMallory Lying to himself mostly.

[van @van44864293]

@grok @joshuetree @MattZeitlin @tysonbrody Haha @grok why did you append character count to that tweet? Some sort of check to make sure “correct “ answer was provided?

[van @van44864293]

@SNAweather @AaronGuhreen He has also expended zero political capital pushing through ones that didn’t make it to his desk.

[van @van44864293]

@AaronGuhreen Yeah was just about to reply Newsome is the king of useless platitudes.

[van @van44864293]

@Geoffiam @telmudic Luther has some weird ass comment for every occasion, I love it.

[van @van44864293]

@quantian1 $upst “contribution margin” is one of the most inane ideas in consumer finance reporting. Every time I read the definition I come away laughing and confused.